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Mortgage free in Forever Home :-)

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  • Cheery_Daff
    Cheery_Daff Posts: 17,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Excellent goals,  and gardening is definitely psychological for me too 🙄😂
  • KajiKita
    KajiKita Posts: 7,650 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Excellent goals,  and gardening is definitely psychological for me too 🙄😂
    Thank you. I see you as great ‘doer’, so if you struggle with this I feel less useless 😊❤️

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Cheery_Daff
    Cheery_Daff Posts: 17,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh, and having been back and read your post - the point I often give in is May/June ish. Before that, it's exciting being in the greenhouse after the winter, and often too cold to be actually outside. Once May arrives, the grass starts growing, there's a busy patch at work, and I stop going to the greenhouse as much... it's not quite warm enough to plant out, but it FEELS warm, so things get ignored, then they shrivel up, or I've planted too many seeds and it's overwhelming, so stuff doesn't make it out if the greenhouse, or if it does, it gets strangled with weeds. I've not had much of a harvest of anything since we moved here, and I've literally got acres of space 😱
  • Cheery_Daff
    Cheery_Daff Posts: 17,139 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    Oh @Cheery_Daff, bless you, you are living inside my head I think! 😉😊 I find it’s generally May when I am defeated by the tsunami of weeds … 🙄😳

    Tell you what, let’s make a pact this year, along the lines of:

    - we are allowed to take shortcuts and prioritise what matters to us (I haven’t got the energy to end the veggie patch AND the ornamental bcs so <ahem> have ordered 11 bags of sterile, fertile mulch to cover the ornamental beds with on the grounds that will help me keep on top of them and the veggie beds are so weedy it won’t make much difference! 😂) 

    - we celebrate any and all gardening ‘wins’ whether actions or actual results ❤️🤩

    KK
    Yes!! I am definitely up for that 😁 I confess I've decided if I get my new job I'll definitely be paying someone to mow the grass so I can get on with something more interesting 😂😂
  • beanielou
    beanielou Posts: 95,555 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great decision :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • KajiKita
    KajiKita Posts: 7,650 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @Cheery_Daff, I’m glad to hear that …. The scything, whilst very good exercise is also very time consuming….

    I’m seriously considering getting a gardener to come in once a week for a few hours to beat back the veggie patch ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Suddenly now I am not feeling as big a desire for a garden... it seems a lot of work..

    'Shoulds' just drain joy out of ones life.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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